OpenAI Turns ChatGPT Into a Shopping Tool With Instant Checkout

OpenAI has officially debuted Instant Checkout inside ChatGPT for U.S. users, starting with Etsy sellers. The move marks the company’s first step into what it calls “agentic commerce,” where AI not only recommends products but also helps complete purchases directly inside the chat.

This is more than a feature rollout and it is an official statement. 

ChatGPT is no longer just about answering questions or generating text; it is entering the transaction layer of the internet. And that shift could reshape how we think about e-commerce, search and even digital advertising. Let’s see how.

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ChatGPT already helps millions of people find what to buy. Now it can help them buy it too.

We’re introducing Instant Checkout in ChatGPT with @Etsy and @Shopify, and open-sourcing the Agentic Commerce Protocol that powers it, built with @Stripe, so more merchants and developers… pic.twitter.com/9miGZr1Yn7

— OpenAI (@OpenAI) September 29, 2025

What Exactly Is ChatGPT Instant Checkout?

Instant Checkout is a new feature within ChatGPT that enables users to purchase products directly from the chat interface. 

Starting today, U.S. users on ChatGPT Free, Plus, and Pro plans can purchase single items from Etsy sellers directly. More than one million Shopify merchants including big names like Glossier, SKIMS, Spanx and Vuori will be added soon.

Here is how the flow looks like. 

A user types a query in plain language, such as “gifts for a ceramics lover” or “best running shoes under $100.” 

ChatGPT then returns product recommendations ranked by relevance, not sponsorship. If a product supports Instant Checkout, the user taps “Buy,” confirms their shipping and payment details and the order is completed inside the chat.

Behind the scenes, the merchant still handles fulfillment, shipping and customer service. ChatGPT’s role is to act like a digital personal shopper, seamlessly passing the transaction information to the seller.

How Does the Agentic Commerce Protocol Work?

At the core of Instant Checkout is something called the Agentic Commerce Protocol (ACP). 

Co-developed by OpenAI and Stripe, ACP is the framework that lets AI agents, businesses and people collaborate securely to complete purchases.

It works across platforms and payment processors, integrates quickly without requiring merchants to change their systems, and ensures merchants remain the merchant of record. 

That means sellers keep control of the customer relationship, from fulfillment and returns to ongoing support.

For Stripe merchants, enabling ACP can be done with as little as one line of code. For those using other payment processors, they can still participate via Stripe’s new Shared Payment Token API or by adopting ACP’s Delegated Payments Spec.

 In short, OpenAI has designed ACP to be easy, flexible and trustworthy.

Why Did Etsy Shares Jump 16% After the Launch?

According to report by CBNC Etsy’s stock price closed up nearly 16% on the day of the announcement, while Shopify rose more than 6%.

Why? Investors see a new sales channel. For Etsy, with its marketplace of independent sellers, Instant Checkout means their products can now appear directly within ChatGPT conversations and be purchased with just a few taps. 

That visibility could lead to higher conversions and broader reach without sellers needing to change how they operate.

It positions Etsy sellers at the cutting edge of AI-driven commerce—a clear growth story for investors.

What Does This Mean for Users?

For users, Instant Checkout is about convenience and trust.

No more clicking away to multiple tabs or entering payment details repeatedly. If you are already a ChatGPT subscriber, your card on file can be used instantly.

 For new purchases, users must still confirm each step—ensuring they remain in control.

Security has also been built in. Payment tokens are encrypted, authorized for specific amounts and merchants only and require explicit user permission. Data sharing is minimal, limited strictly to what’s needed to complete the transaction.

In other words, Instant Checkout aims to feel like a natural extension of the chat experience, not a bolt-on payment gimmick.

What’s Next After Single-Item Purchases?

Currently, Instant Checkout only supports single-item purchases. But OpenAI has already shared its roadmap:

• Multi-item carts will be introduced soon, enabling more complex orders.
• Expansion will move beyond Etsy to Shopify’s network of merchants.
• Regional rollout will extend availability outside the U.S.

OpenAI also announced that ACP is being open-sourced. 

By making the protocol public, the company hopes merchants and developers can build integrations faster and even apply it to use cases beyond retail shopping—potentially including digital services, subscriptions or ticket bookings.

Why Is This a Turning Point for OpenAI?

OpenAI has more than 700 million weekly active users. 

According to Michelle Fradin, OpenAI’s product lead for ChatGPT commerce, “a huge portion” of user queries are already commerce-related, whether that’s finding products or planning events.

By launching Instant Checkout, OpenAI is moving from being a search companion to becoming an actual transactional platform. 

That shift could provide a powerful new revenue stream, as merchants will pay a small transaction fee for each completed order.

For a company still not profitable and investing heavily in infrastructure, this move is as strategic as it is technological.

Could This Change the Future of Search and SEO?

Here’s where things get really interesting. If AI chat becomes a mainstream way to discover and purchase products, it could bypass traditional search engines.

Today, businesses optimize for Google with SEO and ads. Tomorrow, they may need to think about Generative Engine Optimization (GEO)—ensuring their products surface in AI-driven recommendations.

Instant Checkout shows us the beginning of this shift: from searching in a browser to shopping in a conversation. 

Building for Trust: What Safeguards Are in Place?

Commerce depends on trust, and OpenAI knows this. To build credibility, the company emphasized three core safeguards for Instant Checkout:

1. User control: every step requires explicit confirmation.
2. Payment security: encrypted tokens ensure transactions are authorized for specific amounts only.
3. Minimal data sharing: merchants receive only the information necessary to complete the order.

These safeguards are designed to reassure users while encouraging merchants to adopt the system quickly.

Key Takeaways

• OpenAI launched Instant Checkout inside ChatGPT, starting with U.S. Etsy sellers.
• Purchases are powered by the Agentic Commerce Protocol, co-developed with Stripe.
• Users can buy products in-chat, with Shopify’s one million merchants coming soon.
• Orders are fulfilled by merchants; OpenAI takes a small transaction fee.
• Security is prioritized with encrypted tokens, minimal data sharing, and user confirmation.
• OpenAI plans to add multi-item carts and expand globally.
• This marks the start of agentic commerce—AI not just recommending but completing purchases.